Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Finmercado ES
Facts checked September 26, 2026.
What sets them apart
| Compare |  DKB (Deutsche Kreditbank) |  Finmercado ES |
|---|---|---|
| APR | 6.99% | 0% to 36%Lower |
| Loan amount | €2,500 to €100,000Higher | €200 to €30,000 |
| Term | 12 to 120 monthsHigher | 2 to 12 months |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Same-day approval (24h offers listed); the lender transfers the amount after approval, timing depends on each lender |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | Loan of 300 EUR repaid in 6 monthly instalments (180 days): about 55 EUR per month, total interest 30 EUR (TAE = 20%), total amount repayable 330 EUR |
| Lender type | Direct lender | Broker |
| Eligibility | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account | Minimum age 18; customers in Spain; DNI or NIE, proof of income and recent bank statement (partner offers e.g. ABANCA list age 18-59) |
| Loan types | Personal, Car, Debt consolidation | Personal, Payday, Debt consolidation |
| Arrangement fee | Not confirmed | 0 EUR |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- APR is lower at Finmercado ES: 0% to 36% vs 6.99%.
- Loan amount is higher at DKB (Deutsche Kreditbank): €2,500 to €100,000 vs €200 to €30,000.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 2 to 12 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Phone, Chat.
- Loan types: only DKB (Deutsche Kreditbank) offers Car.
- Loan types: only Finmercado ES offers Payday.
Our verdict on each
DKB (Deutsche Kreditbank)
DKB provides direct lending instead of passing applications between intermediaries, which keeps responsibility with one provider. It covers personal, car and consolidation borrowing for purchase, remortgage and home improvement, with soft prequalification and support across phone, chat, email and help centre.
Finmercado ES
Finmercado ES suits borrowers in Spain who want to see partner offers quickly and pay no arrangement fee for the search. Rates of 0% to 36% mean the cheapest and the highest deals sit far apart, so the rate you are offered matters more here than the headline.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Finmercado ES |
|---|---|---|
| Cost | Not confirmed | 9.7An origination fee of 0 EUR and a percentage fee of 0%, so cost depends on the rate alone. |
| Offer | 9.4Higher | 8.5 |
| Trust | 9.2Higher | 8.3 |
From lowest to highest
| Fact | DKB (Deutsche Kreditbank) | Finmercado ES |
|---|---|---|
| Loan amount | €2,500 to €100,000 | €200 to €30,000 |
| Term | 12 to 120 months | 2 to 12 months |
What we checked
DKB (Deutsche Kreditbank)
- dkb.de: 17 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Finmercado ES
- finmercado.es: 16 facts, checked September 26, 2026
How they place
| Ranking | DKB (Deutsche Kreditbank) | Finmercado ES |
|---|---|---|
| Personal loans | 16 of 1944 | 39 of 1944 |
| Debt consolidation loans | 6 of 425 | 14 of 425 |
| Home improvement loans | 7 of 562 | 16 of 562 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Finmercado ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | SIA JEFF |
| Headquarters | Germany | Latvia |
| Founded | 1990 | Not confirmed |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Email, Help centre |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Finmercado ES | Median |
|---|---|---|---|
| APR | 6.99%below the median | 0% to 36%lowest quarter | 8.99% |
| Loan amount | €2,500 to €100,000highest quarter | €200 to €30,000below the median | €40,000 |
| Term | 12 to 120 monthshighest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1007 listed lenders.
Pros and cons
DKB (Deutsche Kreditbank)
Pros
- Direct lender setup keeps application and servicing with one provider
- Covers purchase, remortgage and home improvement across varied personal needs
- Offers soft prequalification alongside phone, chat, email and help centre support
Cons
- Excludes self employed and freelance applicants, focusing on permanent employment or pension
- Requires a mobile number plus online banking access to the salary account
Finmercado ES
Pros
- The origination fee is 0 EUR, so finding and comparing partner offers costs nothing.
- Approval is advertised for the same day, and the lender releases the amount once it accepts.
- Loan sizes sit inside €200 to €30,000 and repayment terms inside 2 to 12, so a small sum and a larger plan are handled through the same application.
Cons
- Repayment terms of 2 to 12 are shorter than the 48 seen across personal loans here, so a large balance has to clear fast.
- A hard credit check runs on every application, and 44.9% of this category is aimed at borrowers with poor credit, which sets the bar for approval.
- Support runs on email and help centre only, while phone lines cover 85.3% of this market.
Who each suits
DKB (Deutsche Kreditbank)
Who it suits
- Borrowers seeking purchase, remortgage or home improvement funding
- Employees and pension recipients wanting a direct lending relationship
Who should look elsewhere
- Self employed or freelance borrowers seeking lending
Finmercado ES
Who it suits
- Adults in Spain with DNI or NIE, proof of income and a recent bank statement who want to see partner offers quickly.
- Borrowers after a fee-free search and same-day approval, who can live with a rate landing anywhere in 0% to 36%.
- Anyone consolidating existing balances, since personal, payday and debt consolidation covers consolidation loans alongside personal and payday borrowing.
Who should look elsewhere
- Readers who want a single known band rather than a wide range: Monzo Flex runs at 10% to 23%, which sits inside 0% to 36%.
- Anyone comparing offers quoted in pesos: Cashspace lists PHP 12 to PHP 36 in another currency, so the two lists are not priced alike.
- Borrowers shopping only on the starting rate: Cashspace ES shows 0%, and because 0% to 36% can start at the same level, the top of the band is what separates the two.
Current offers
DKB (Deutsche Kreditbank)
Current offer
Discount code
Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate
Purchase of an existing property; see Zinsvorteil section
Source, checked September 26, 2026
Discount code
Zinsrabatt of 0.1 percentage points for Gruene Baufinanzierung: 0.1 percentage points off the interest rate
Energy-efficient property, green mortgage financing
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Finmercado ES |
|---|---|---|
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
DKB (Deutsche Kreditbank)
Who can apply for lending with DKB?+
Applicants need to have reached adulthood and work in permanent employment or receive an indefinite pension. Self employed and freelance work falls outside eligibility. Checks also ask for a local handset contact and digital entry to the account receiving wages.
Which products does DKB cover?+
The range centres on personal borrowing, including car funding and debt consolidation support. Purposes span purchase, remortgage and home improvement needs. Lending is arranged directly, so application and servicing stay with the same provider throughout.
Finmercado ES
What rate of interest applies?+
The rate range is 0% to 36%, a wide band holding both a very low rate and a high rate. Where you land inside it depends on your credit profile and the partner lender who accepts your application. The 12% seen across lenders here sits well inside that band, so treat the middle as a realistic target rather than the floor.
Does Finmercado ES charge a fee?+
The origination fee is 0 EUR, so the search itself costs nothing. Once a partner lender takes you on, its own charges and its rate are what you repay, and those come from the lender rather than the broker. Read the representative example at that point, because the fee for arranging the loan and the interest on it are separate lines.
Other options to compare
Other matchups
- DKB (Deutsche Kreditbank) vs Oney Préstamos ES
- DKB (Deutsche Kreditbank) vs Sofkredit
- DKB (Deutsche Kreditbank) vs Quick Car Finance
- DKB (Deutsche Kreditbank) vs Prestamiau ES
- DKB (Deutsche Kreditbank) vs Ibancar Prestamos
- DKB (Deutsche Kreditbank) vs Fidea
- DKB (Deutsche Kreditbank) vs Youmoney
- DKB (Deutsche Kreditbank) vs Fiesta Credito
- DKB (Deutsche Kreditbank) vs Fiesta Credito MX